Negotiating Auto Insurance Settlements

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During your first meeting with the adjuster, you will each establish your points regarding the strengths and weaknesses of your case.  The adjuster will then offer you to make a claim for the auto accident settlement for a figure that is lower than what you asked for in your demand letter. You will counteract with an amount that is higher than the offer of the adjuster, but lower compared to the amount you initially stated.  It’s possible to reach an agreement on an amount somewhere in between. You should make a decision regarding a minimum settlement amount that you will accept before speaking to an insurance adjuster.

Emphasize liabilities

Describe how the accident happened and why the other party may be liable.  If you have witness testimony and police reports to back up your theory, you should attach copies of these along with your demand letter.

Lost Wages

The victim should submit evidence for lost wages suffered as a result of the accident.  Make a brief statement of the amount of time that you have missed from work due to your injuries.  Include a copy of a letter from your employer verifying your pay and missed time. 

Medical expenses

Include a complete list of every medical provider you received treatment from and the total amount charged by each one of them.  Make sure your list matches the medical billing records that you have.

Injuries and Treatments

Describe your injuries and treatments.  Emphasize the pain and suffering you have endured.  Explain the difficulty of your recovery and the negative effect it has had on your daily life and how it has impacted your ability to work or enjoy life. 

How Lawyers Can Help

If the offer from the insurance company is unsatisfactory, you can make a counter-offer and try to negotiate a car accident claim without using an attorney.  If they don’t cooperate or accept responsibility, it may be time to seek legal counsel to represent you your car accident settlement case.

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